中小企业是黑龙江省经济发展的重要支撑。
然而，中小企业融资难的问题却始终没有得到妥善解决，成为制约其进一步发展的“瓶颈”。黑龙江省中小企业融资难问题主要体现在中小企业信用担保体系不健全；中小企业自身的信用缺失，财务制度不规范和资本结构不合理；地方商业银行支持乏力；宏观政策调整不利于中小企业融资等几个方面。通过借鉴国际中小企业融资的经验得出，黑龙江省中小企业融资难问题应该从多个角度加以解决，具体包括：健全中小企业信用担保体系；建立以中小企业为对象的金融服务体系；鼓励商业银行进行金融创新；提高中小企业自身融资能力和规范政府的支持方式。
关键词：黑龙江省；中小企业；融资对策
Abstract
Small and medium enterprises in Heilongjiang Province is an important support for economic development. However, the issue of SME financing has never been satisfactorily resolved, as a constraint to further develop its "bottleneck." Financing small and medium enterprises in Heilongjiang Province is mainly reflected in the credit guarantee system for small and medium-sized unsound; small and medium-sized loss of their own credit, financial systems and capital structure of non-standard unreasonable; local commercial banks to support the weak; macro-policy adjustment is not conducive to small and medium enterprises financing number of areas. Through financing from the international experience of small and medium-sized, small and medium enterprises in Heilongjiang Province financing problem should be addressed from various angles, including: a sound credit guarantee system for small and medium enterprises; the establishment of targeted small and medium-sized financial services system; to encourage the commercial banks financial innovation; to enhance the capacity of small and medium-sized self-financing and regulating the manner of government support.
Key words：heilongjiang province; small and medium-sized enterprises; financing strategies
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